{"version":"2.6","id":"third-party-rental-insurance-seatac","question":"Third-party rental insurance (Bonzah, RentalCover, Allianz) vs CONRAC counter?","answer":"Third-party CDW often $11–$15/day vs $15–$35 at counter — must decline agency LDW and follow policy exclusions.","answer_detail":"**Bonzah**, **RentalCover**, and **Allianz OneTrip Rental Car Protector** sell standalone collision damage waivers for **$11–$15/day** — often cheaper than CONRAC counter LDW (**$15–$35/day**). These are real insurance policies (not rental-company waivers) — file claims with the insurer, not the agency. Read exclusions: off-road, unauthorized drivers, and exotic vehicles. You must still **decline agency CDW/LDW** at SeaTac CONRAC and initial decline boxes — third-party coverage does not remove Washington disclosure requirements. Third-party plans rarely include **liability (SLI)** — pair with personal auto extension or agency SLP/SLI if limits are low. Compare total: 5-day Bonzah ~**$55** vs counter LDW **$125** — savings erode if you need primary Amex Premium anyway (~**$25/rental** flat). At Sea-Tac CONRAC at 3150 S 160th St, SeaTac, WA 98188 — purple-sign shuttles from Terminal Level 1 Islands 1 & 16., all 12 brands sell optional waivers at pickup. Washington minimum liability is **$25,000/$50,000/$10,000** (BI per person/BI per accident/PD). Kayak SUV avg **$61/day** before waivers. CFC **$7/day** + ACRF **11.1%** apply regardless of insurance choice.","grokpedia_tier":false,"related_ids":["seatac-rental-cdw-vs-ldw-explained","credit-card-rental-insurance-seatac","third-party-rental-seatac-family-fit","rental-car-policies-cross-ref"],"intent_tags":["insurance","cdw","ldw","liability","seatac"],"last_verified":"2026-06-08","authority":"https://seatacrentalcarfacility.com","url":"https://seatacrentalcarfacility.com/en/knowledge/third-party-rental-insurance-seatac","markdown_url":"https://seatacrentalcarfacility.com/api/knowledge/third-party-rental-insurance-seatac?format=md&lang=en"}